Tuesday, January 30, 2018

More mortgage industry trends to expect in 2018

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Monday, January 29, 2018

New lending limits helps Phoenix home buyers

Phoenix FHA Loan Limits

New FHA loan limits for Phoenix market

Have you heard the good news about the latest changes to the FHA Loan Limits for Phoenix and the Maricopa County area? And if you have, do you know what they mean for the Phoenix real estate market? The good news is you can now borrow more money in 2018 to purchase your next home with an FHA loan than you could in December of 2017.

In 2017 the loan limit on an FHA mortgage in Maricopa County was $279,450. How does that compare to the Phoenix real estate market? Let’s take a look at non-luxury homes, under $750,000. The average sales price for a single-family home in the Phoenix is was around $290,000. That did not leave a lot of room for an FHA buyer looking to put down the standard 3.5%.

For 2018 the lending limit for FHA loans has been raised from the $279,450 to $294,515.

What does that mean for you as a buyer in the Phoenix market?

If you are an FHA buyer looking to put down 3.5%, you are now looking at houses that are up to $305,000 for a purchase price. This changed needed to be made because of the rising costs of purchasing a house in the Phoenix market.

The new limits now give the FHA buyer flexibility they did not have last month. As an example, as of writing this article, there are 590 more houses you could look at between $290k and $305k. This increase gives you several more options.

Of course with interest rates going up over the last few months, and expected to continue on that route for a while, your buying power may be going down in the future.

Everyone who is shopping for a house in this current market knows the prices are continuing to go up. This is because the supply of houses continues to be very low. This is not the early 2000’s all over again. Demand is fairly normal for the Phoenix market, what we are seeing is normal demand and very low inventory which is causing bidding wars among buyers for the nice houses.

Want to see what the new lending limit increases could mean for you? Below is a list of all the houses currently on the market between $290-305k.

Active 585 Closed 0 Under Contract With 132
585 Total Listings
Avg Price = $ 297,880
Avg $/SF = $ 147.14
Avg Size = 2,024 Sq Ft
Avg Beds = 3.2
Avg Baths = 2.2
No listings available.
132 Total Listings
Avg Price = $ 298,637
Avg $/SF = $ 151.83
Avg Size = 1,967 Sq Ft
Avg Beds = 3.2
Avg Baths = 3.4
Gallery List Map
1 – 15 of 585
1 2 3 4 5 ...39
Under Contract
Contingency
$ 295,000
15926 N 175TH Drive
Surprise, AZ 85388
SURPRISE FARMS
4 Bed / 3 Bath
3,115 Sq. Ft.
Property Type: House
MLS® #: 5654778
Under Contract
Contingency
$ 295,000
15926 N 175TH Drive | Surprise, AZ 85388
SURPRISE FARMS
MLS® #
Property Type
Beds
Baths
Square Ft
5654778
House
4
3
3,115 s.f.
LOCATION! LOCATION! LOCATION! GREAT HOME LOCATED IN SURPRISE FARMS. MOVE IN READY FEATURING 4 BEDS, 3 BATHS, LARGE LOFT UPSTAIRS AND TECH CENTER. ONE BEDROOM AND BATH DOWNSTAIRS GREAT FOR GUEST QUARTERS.LARGE FORMAL LIVING RM DINNING ROOM WITH BEAUTIFUL FLOORS. LARGE EAT IN KITCHEN W GRANITE COUNTERS AND ISLAND OPENS TO FAMILY ROOM PERFECT FOR ENTERTAINING. 3 CAR GARAGE AND BACKYARD PATIO WITH PLAY AREA. CLOSE TO SHOPPING, SCHOOL AND THE 303. THIS HOME IS A MUST SEE!
Under Contract
Contingency
$ 300,000
2618 W ESTES Way
Phoenix, AZ 85041
CITRUS MOUNTAIN ESTATES
4 Bed / 2 Bath
3,342 Sq. Ft.
Property Type: House
MLS® #: 5654728
Under Contract
Contingency
$ 300,000
2618 W ESTES Way | Phoenix, AZ 85041
CITRUS MOUNTAIN ESTATES
MLS® #
Property Type
Beds
Baths
Square Ft
5654728
House
4
2
3,342 s.f.
Fantastic move in ready home in South Phoenix! Soaring ceilings, fireplace, and a neutral color palette for easy personal design. Gourmet kitchen opens to the family room and boasts stainless steel appliances, custom cabinets, granite counters, and a center island. Master bedroom is downstairs with a private exit, walk in closet, and adjoining spa like bath. Grand staircase with handsome oak railing leads to the large loft and other spacious bedrooms. Loft has access to the private balcony with distant mountain views. Generous backyard has a covered patio, refreshing blue pool, built in BBQ, and low care landscape! This homes backs up to a canal for more privacy. Don't miss this hidden gem! Discover it today and make it yours!
Under Contract
Contingency
$ 305,000
15050 N THOMPSON PEAK Parkway #2068
Scottsdale, AZ 85260
VILLAGES NORTH CONDOMINIUMS
2 Bed / 2 Bath
1,500 Sq. Ft.
Property Type: Condo
MLS® #: 5653282
Under Contract
Contingency
$ 305,000
15050 N THOMPSON PEAK Parkway #2068 | Scottsdale, AZ 85260
VILLAGES NORTH CONDOMINIUMS
MLS® #
Property Type
Beds
Baths
Square Ft
5653282
Condo
2
2
1,500 s.f.
Modern luxury style 2 bedrooms, plus a den in North Scottsdale. Completely remodeled with custom style, property features white kitchen cabinets with quartz counter-tops, fine porcelain tiles, brand new appliances, a fully redesigned master bathroom with free stand tub, spa style shower, double vanities, new led lights system, new water heater...everything in this condo is brand new!!! Condo features a bright open split floor plan with vaulted ceilings and a charming covered patio to enjoy the outdoors. Community features a fantastic community pool and spa, a neighborhood rich of restaurants and shopping, and a park all within walking distance.
Under Contract
Contingency
$ 292,900
16777 W Bristol Lane
Surprise, AZ 85374
Bell West Ranch Parcel 1A
4 Bed / 2 Bath
2,251 Sq. Ft.
Property Type: House
MLS® #: 5652982
Under Contract
Contingency
$ 292,900
16777 W Bristol Lane | Surprise, AZ 85374
Bell West Ranch Parcel 1A
MLS® #
Property Type
Beds
Baths
Square Ft
5652982
House
4
2
2,251 s.f.
Great popular floor plan four bedroom plus den/ office big great room and large formal dining area. Lots of tile flooring and crown molding, ceiling fans, mini blinds and big front courtyard entry. Backyard has pebbletec pool with waterfall, also putting green with astro turf. Kitchen has nice cabinets and corian counters and gas stove/oven. Large Laundry room . Nice open master bedroom
Under Contract
Contingency
$ 290,000
6528 E STAR VALLEY Street
Mesa, AZ 85215
RED MOUNTAIN RANCH
3 Bed / 2 Bath
2,007 Sq. Ft.
Property Type: House
MLS® #: 5652495
Under Contract
Contingency
$ 290,000
6528 E STAR VALLEY Street | Mesa, AZ 85215
RED MOUNTAIN RANCH
MLS® #
Property Type
Beds
Baths
Square Ft
5652495
House
3
2
2,007 s.f.
DON't Miss this Opportunity !!!Diamond in the RUFF 🙂 Situated beautifully ~ backing miles of green with Mt views. Soak in the fresh air from your sparkling spa & pool. Over 2,000 sq. ft. Single Level Home w/ 3 bedrooms,2 bath split floor plan. Travertine & ceramic tile throughout ... hardwood in the master bedroom. Family room opens to the kitchen which looks out to the tranquil waterfall & Views. Great layout for entertaining with a formal dining room. Red Mt Ranch is a wonderful community.
Under Contract
Contingency
$ 298,150
29968 N 120TH Drive
Peoria, AZ 85383
VISTANCIA VILLAGE A PARCEL A15
3 Bed / 2 Bath
1,633 Sq. Ft.
Property Type: House
MLS® #: 5652125
Under Contract
Contingency
$ 298,150
29968 N 120TH Drive | Peoria, AZ 85383
VISTANCIA VILLAGE A PARCEL A15
MLS® #
Property Type
Beds
Baths
Square Ft
5652125
House
3
2
1,633 s.f.
GRAND OPENING PRICES!! Brand new single level floor plan with estimated February/March 2018 move in! The 'Finch' floor plan features a spacious kitchen with 3 bedrooms, 2 full bathrooms, and a 2-car garage. Designer selected finished include, smoke gray cabinetry, granite countertops, kitchen backsplash, stainless steel appliances, 12 x 24 plank tiles, and two tone paint. This wonderful D.R. Horton home has it all, including side by side refrigerator, prewire for a Smart Home system, prewire for ceiling fans, front yard landscape and home warranties! **Photos of rendering & Actual Home
Under Contract
Contingency
$ 295,000
4302 N 16TH Avenue
Phoenix, AZ 85015
BEL AIR
4 Bed / 2 Bath
1,485 Sq. Ft.
Property Type: House
MLS® #: 5651938
Under Contract
Contingency
$ 295,000
4302 N 16TH Avenue | Phoenix, AZ 85015
BEL AIR
MLS® #
Property Type
Beds
Baths
Square Ft
5651938
House
4
2
1,485 s.f.
TOTALLY REMODELED.
Under Contract
Contingency
$ 298,000
1508 S CHESTNUT Circle
Mesa, AZ 85204
KNOELL MESA UNIT 2
4 Bed / 3 Bath
2,229 Sq. Ft.
Property Type: House
MLS® #: 5650454
Under Contract
Contingency
$ 298,000
1508 S CHESTNUT Circle | Mesa, AZ 85204
KNOELL MESA UNIT 2
MLS® #
Property Type
Beds
Baths
Square Ft
5650454
House
4
3
2,229 s.f.
NO HOA! 2229 Sq foot home! Near HWY 60. Home has 4 Bedrooms, 3 Bathrooms 3 Car Garage with 1 detached Garage,w/AC Could be great workshop has long Ramp Driveway & Paved walkway. RV Gate, RV parking & plenty of room for your toys Or great entertainment Room. Two Master Bedrooms with separate AC. Could be a home office or Man cave. Kitchen has granite counter tops, newer cabinets, breakfast bar, stainless steel appliances,with a large pantry off the kitchen. Master bath has tiled shower & granite counter tops.Tile floors throughout! New ceiling Fans. Large backyard to build your pool, Pavers extending Patio. Lots of Upgrades. Buyer to ck all facts & figures.
Under Contract
Contingency
$ 295,597
16189 W KENDALL Street
Goodyear, AZ 85338
SANCTUARY AT SARIVAL VILLAGE
4 Bed / 3 Bath
2,475 Sq. Ft.
Property Type: House
MLS® #: 5650331
Under Contract
Contingency
$ 295,597
16189 W KENDALL Street | Goodyear, AZ 85338
SANCTUARY AT SARIVAL VILLAGE
MLS® #
Property Type
Beds
Baths
Square Ft
5650331
House
4
3
2,475 s.f.
Yes that says 3-1/2 baths !!!. Master bedroom is downstairs, 3 bedrooms and a loft upstairs. The kitchen features granite counter tops and nicely upgraded cabinets and a separate pantry. Gas heat, gas-tankless water heater and a SS GAS STOVE! All bedrooms, loft and the family room are wired for ceiling fans and bedroom 4 features mirrored closet doors. Upgraded garage door with windows. The driveway and front walk are pavers and there is a covered front porch and rear patio. The only thing missing is your family!
Under Contract
Contingency
$ 295,000
4808 N 24TH Street #231
Phoenix, AZ 85016
OPTIMA BILTMORE TOWERS
2 Bed / 2 Bath
1,116 Sq. Ft.
Property Type: Condo
MLS® #: 5646943
Under Contract
Contingency
$ 295,000
4808 N 24TH Street #231 | Phoenix, AZ 85016
OPTIMA BILTMORE TOWERS
MLS® #
Property Type
Beds
Baths
Square Ft
5646943
Condo
2
2
1,116 s.f.
Gorgeous 2 bedroom, 2 bath condo feels like home. Cozy floorplan features granite countertops in kitchen & baths, plenty of cabinetry, upgraded stainless steel appliances, gorgeous travertine flooring, shower surrounds, and fresh/neutral paint throughout. Foor to ceiling windows offers fountain & garden views from every room. The secured underground parking allows 2 personal parking spaces and 2 storage lockers. Community amenities include Concierge service, fitness center & meeting rooms, roof top heated pool/spa, bbqs, garden picnic area with misters. Walking distance to upscale shopping, dining and entertainment. Close to freeway access and airport.
Under Contract
Contingency
$ 299,000
14227 W SHAW BUTTE Drive
Surprise, AZ 85379
KENLY FARMS 1
4 Bed / 3 Bath
2,775 Sq. Ft.
Property Type: House
MLS® #: 5645816
Under Contract
Contingency
$ 299,000
14227 W SHAW BUTTE Drive | Surprise, AZ 85379
KENLY FARMS 1
MLS® #
Property Type
Beds
Baths
Square Ft
5645816
House
4
3
2,775 s.f.
This gorgeous home with 4 bedrooms + a den is a MUST SEE!!! Close to shops, movie theater and other entertainment! New cherry-wood cabinets and granite counters in this gorgeous kitchen with gas (or electric) stove. A spacious family room that is off the eat-in kitchen with easy patio access for your backyard entertaining. Brand new carpet upstairs & master bathroom flooring. Kitchen cabinets and granite counter tops-updated in 2016. Exterior painted-2015. Owners have a home warranty valid until May 2018.
Under Contract
Contingency
$ 299,850
1130 N APOLLO Drive
Chandler, AZ 85224
PENNINGTON PLACE
4 Bed / 2 Bath
2,038 Sq. Ft.
Property Type: House
MLS® #: 5645238
Under Contract
Contingency
$ 299,850
1130 N APOLLO Drive | Chandler, AZ 85224
PENNINGTON PLACE
MLS® #
Property Type
Beds
Baths
Square Ft
5645238
House
4
2
2,038 s.f.
Exceptional home in the highly sought after community of PENNINGTON PLACE! A Lavish, Well-Manicured, Resort-Style gated community. Dramatic entry, opening to a wonderful spacious light & bright living room & dining room. Kitchen features cabinets galore with generous counter space & island. Newer AC unit, new window coverings, family room with entertainment niches! Stone-like tile floors throughout the first floor, one bedroom and 3/4 bath downstairs. Upstairs you'll find the master suite, plus two more bedrooms with a Jack-&-Jill bath. The yard has a covered patio and is ready for your personal touches! Great location. Walk to schools,parks,stores,fish in your own private community lake.
Under Contract
Contingency
$ 295,000
840 W DETROIT Drive
Payson, AZ 85541
EAST VERDE PARK
3 Bed / 2 Bath
1,729 Sq. Ft.
Property Type: House
MLS® #: 5645220
Under Contract
Contingency
$ 295,000
840 W DETROIT Drive | Payson, AZ 85541
EAST VERDE PARK
MLS® #
Property Type
Beds
Baths
Square Ft
5645220
House
3
2
1,729 s.f.
Just a few miles out of town, steps from the Verde River, Hiking Trails and National Forest is this 3 Bedroom, 2 Bath Home. 2 Lots are included in this sale, both are fenced in. Kitchen has been remodeled with new custom cabinets and a breakfast bar. Living room offers a Wood burning Stove, Large Master Suite, side office and two additional bedrooms and bath upstairs. Storage shed, water storage tank, RV Hookups for 4 RV's. Children Play Ground, Drip System, back up generator.
Under Contract
Contingency
$ 299,000
16741 W WASHINGTON Street
Goodyear, AZ 85338
CANYON TRAILS UNIT 3 PARCEL B/C
4 Bed / 2 Bath
2,929 Sq. Ft.
Property Type: House
MLS® #: 5645079
Under Contract
Contingency
$ 299,000
16741 W WASHINGTON Street | Goodyear, AZ 85338
CANYON TRAILS UNIT 3 PARCEL B/C
MLS® #
Property Type
Beds
Baths
Square Ft
5645079
House
4
2
2,929 s.f.
Beautiful 4 Bedroom 2.5 Bath two story home! Tile and carpet in all the right places, vaulted ceilings, neutral color palette, and spacious. Eat in kitchen features a plethora of custom cabinets, tons of counter space, walk in pantry, all white appliances, and breakfast bar. Kitchen overlooks dining area as well as family room, perfect for holidays and family get together! Upstairs are all 4 bedrooms plus the loft area that is great for family computer, and or game room for the kids! Bedrooms are all generous in size including the Master bedroom with walk in closet. Full master bathroom features separate shower and tub plus dual sinks. Untouched easy to maintain landscaping in both the front and backyard! Great home, wonderful neighborhood, won't be here long, come see today!
Under Contract
Contingency
$ 299,000
15250 W AMELIA Drive
Goodyear, AZ 85395
PEBBLECREEK UNIT NINE
2 Bed / 2 Bath
2,154 Sq. Ft.
Property Type: House
MLS® #: 5644662
Under Contract
Contingency
$ 299,000
15250 W AMELIA Drive | Goodyear, AZ 85395
PEBBLECREEK UNIT NINE
MLS® #
Property Type
Beds
Baths
Square Ft
5644662
House
2
2
2,154 s.f.
Resort living at it's finest! Home has it's own heated pool/spa and has a large covered patio with built in BBQ for entertaining. Backyard area also has glassed in porch that looks out to entertaining area with two water features. Kitchen has been updated with new cabinets, counters and stainless steal appliances. Den features built in desk/wall unit for extra storage and work area. Garage is extended and has plenty of room for two cars plus golf cart.
No listings available.
1 – 15 of 585
1 2 3 4 5 ...39
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    Sunday, January 28, 2018

    Curso de inglés en Londres o en Dublín

    Como ya he comentado en incontables ocasiones, aprender inglés no consiste únicamente en apuntarse a una academia de inglés, comprarse unos libros o hacer intercambio de idiomas. Para aprender inglés es absolutamente necesario combinar estrategias y condiciones que harán que el aprendizaje sea más efectivo y natural. Por ello, debemos combinar el estudio académico con la inmersión en nuestro tiempo de ocio. Y una de las mejores maneras para conseguir esto es estudiar inglés en el extranjero. Por eso, en el post de hoy te voy a hablar de dos de los destinos más populares para aprender inglés (Londres y Dublín), y de las ventajas de hacer un curso de inglés en Londres y un curso de inglés en Dublín.

    Curso de inglés en Londres

    Evidentemente, hacer un curso de inglés en Londres es una experiencia increíble. La capital británica representa todo lo que es Inglaterra de manera concentrada en una gran ciudad. En Londres encontrarás lo que quieras encontrar: museos, bibliotecas, discotecas, cines, teatros, parques, etc. Además, como ya sabrás, existen diversas zonas de Londres que son emblemáticas, como Camden Town, barrio famoso por su inmenso mercado y su activa vida nocturna.

    curso de inglés en londres

    Si lo que quieres es estudiar inglés en Londres, te recomiendo que te plantees la posibilidad de hacerlo en Camden. En este barrio no solo vas a estudiar inglés, sino que vas a poder practicarlo muchísimo gracias a la variedad de actividades de ocio que ofrece: mercado, música en vivo, pubs, clubs, etc. Además, las academias o escuelas que ofrecen cursos de inglés en Camden, suelen acompañar su programa académico con un programa completísimo de actividades, por lo que no te aburrirás ni un solo momento.

    Curso de inglés en Dublín

    La capital irlandesa no se queda atrás para estudiar inglés. Quizás, al ser más pequeña que Londres, estudiar un curso de inglés en Dublín puede ser más atractivos para aquellos que preferís hacer turismo sin coger buses. Dublín es la ciudad perfecta: tiene de todo, pero no es inmensa como Londres. Desde que visité la capital irlandesa hace 9 años, no dejo de decirle a mis alumnos que, si quieren estudiar inglés en el extranjero, deberían plantearse estudiar inglés en Dublín.

    curso de inglés en dublín

    Y es que DublĂ­n tiene un encanto Ăşnico. DublĂ­n rebosa energĂ­a y vitalidad gracias a la gran cantidad de gente joven que recorre sus calles cada dĂ­a. AquĂ­ podrás aprender inglĂ©s de la manera más natural con universitarios irlandeses y de todo el mundo. Andando por sus calles aprenderás acerca de personajes mĂ­ticos irlandeses como Molly Malone, o escritores de renombre como Oscar Wilde o James Joyce, ambos nacidos en DublĂ­n. Y como todo queda a tiro de piedra, podrás pasearte por zonas emblemáticas como O’Connell Street o el vibrante barrio de Temple Bar. Definitivamente, es uno de los mejores destinos internacionales para estudiar inglĂ©s.

    ¿Te has planteado estudiar inglĂ©s en alguna de estas ciudades? ¿Cuál de las dos elegirĂ­as: Londres o DublĂ­n? Y si ya has estudiado inglĂ©s en una de las dos, ¿por quĂ© no me cuentas tu experiencia en los comentarios? Y si te ha resultado Ăştil esta informaciĂłn, dale fuerte al botĂłn de compartir y cuĂ©ntale a todo el mundo por quĂ© Londres y DublĂ­n molan tanto para estudiar inglĂ©s. Y no te olvides de seguir a KSE Academy en Facebook, Twitter, Pinterest, Instagram, Google+ y YouTube. 🙂

    La entrada Curso de inglés en Londres o en Dublín aparece primero en KSE Academy | Academia de inglés.



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